Credit Financial Model Templates
Free credit model templates in Excel for loan analysis, debt schedules, and credit underwriting. These downloads include live formulas for amortization, covenant testing, and coverage ratios so lenders and borrowers can assess a facility before signing.
13 free Excel templates in Credit - free download with email signup.
Auto Loan Portfolio Model
Automotive loan securitization and portfolio analysis.
Student Loan Portfolio
Model a portfolio of student loans with origination, repayment schedules, and default assumptions.
Buy Now Pay Later Model
BNPL fintech platform financial projections.
Factoring Program Model
Financial model for accounts receivable factoring with advance rates, discount fees, and portfolio metrics.
Syndicated Loan Underwriting
Model syndicated loan terms, pricing, club structure, and lender commitments with covenant tracking.
Direct Lending Fund Model
Financial model for direct lending fund with loan origination, yield, losses, and fund returns.
Microfinance Institution Model
MFI model with loan book roll-forward by product, branch ops, funding mix, capital adequacy, and return ratios.
Distressed Debt Analysis
Valuation and recovery analysis for distressed bonds and loans with recovery timeline and outcomes.
Collateral Pool Model
Track collateral composition, haircuts, and coverage ratios for secured lending programs.
Credit Portfolio CDO Model
Model credit default swap portfolio, tranching, and waterfall for CDO securitization.
Loan Portfolio CDR Model
Credit default risk model for loan portfolios with cumulative default rates and loss severity analysis.
Credit Stress Testing Framework
Stress test credit portfolios across default probabilities, loss severities, and adverse macroeconomic scenarios.
Revenue-Based Financing
Assess revenue-based financing deals and portfolio returns as repayments rise and fall with borrower revenue.
Frequently asked
Are these templates really free to download?+
Yes. Every template is a free Excel download with live formulas after email signup. No credit card or paywall is required. Click any template, enter your email, download the .xlsx file, and open it in Excel, Google Sheets, or LibreOffice.
What does a credit model analyze?+
Credit models build the loan amortization schedule, track interest and principal, and test the borrower's ability to service debt through coverage ratios like DSCR and interest cover, plus any covenants attached to the facility.
Are these for lenders or borrowers?+
Both. A lender uses them to underwrite and size a facility; a borrower uses the same structure to check headroom against covenants and plan repayments. The mechanics are identical.
Can I edit the models after downloading?+
Yes. The free downloads are unlocked Excel workbooks with live formulas, no macros, and no password protection. You can change assumptions, add rows, relabel line items, and adapt the structure.
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